Originally Posted by percysmith

Wirelessly posted (Mozilla/5.0 (iPhone; CPU iPhone OS 7_1_2 like Mac OS X) AppleWebKit/537.51.2 (KHTML, like Gecko) Version/7.0 Mobile/11D257 Safari/9537.53)

All transactions have approval codes unless you fall under a certain txn limit where the merchant chooses to forgo approval for greater speed (in HK, merchants can opt to do this for transactions <HK$200).

You need approval code once above it, whether DCC or not. That's the only way they can hold the hkd amount (in the Maldives case they have app code, they just didn't post for DCC)